Summary of the work of a bank in the first half of the year

Summary of the work of a bank in the first half of the year

Summary of the work of a branch of the bank in the first half of this year Since the beginning of this year, the Bank has conscientiously implemented the decision on the adjustment of the business strategy of the general branch, adhered to the principle of coordinated development of efficiency, quality and scale, advancing with the times, pioneering and innovating, emphasizing risks while focusing on business development. Prevention and internal control management, advocating the construction of compliance culture, the branch's various businesses have reached a new level, laying a solid foundation for the completion of the annual target tasks. With the joint efforts of the staff of the whole bank, the indicators in the first half of XX have been operating steadily and achieved outstanding operational results. By the end of June, the completion of various businesses was good, and they were among the best in the branches.
First, the completion of various indicators.
1. The debt business has grown significantly. At the end of June, the balance of self-operated deposits was xx million yuan, an increase of xx million yuan from the beginning of the year, and the annual tasks were completed ahead of schedule. The balance of savings deposits was xx million yuan, an increase of xx million yuan from the beginning of the year, and 66% of the annual tasks were completed. For public deposits of xx million yuan, compared with xx million yuan at the beginning of the year, 154% of the annual tasks were completed; the daily average savings deposit balance was xx million yuan, an increase of xx million yuan over the approved base, 99% of the tasks completed; The balance of deposits was xx million yuan, an increase of xx million yuan over the approved base, and 161% of the tasks were completed.
2. The asset business has developed rapidly. At the end of June, the self-operated loan was xx million yuan, an increase of xx million yuan compared with the beginning of the year, of which personal assets business was xx million yuan, xx million yuan more than the beginning of the year, 90% of the annual task was completed, and the balance of public assets was xx million yuan, compared with the beginning of the year. Added xx million yuan. The cumulative amount of discounts is 100 million yuan.
3. The intermediary business progressed steadily. In the first half of the year, it has realized an income of nearly xx million yuan for intermediate business, 58% of the annual task; nearly xx million US dollars for international settlement; xx cards for credit card issue; xx million yuan for insurance and xx million yuan for insurance.
Second, summarizing the business development and management of the first half of the year, we mainly take the following work measures:
Clear tasks, early implementation, and lay the foundation for the year-round work.
At the end of last year, the sub-branch planned the XX-year work target, clarifying that the debt will increase by 100 million yuan, the private deposits will be 100 million yuan, the public deposits will be 100 million yuan, the assets will increase by 100 million yuan, the personal assets will be 100 million yuan, and the public loans will be 100 million yuan. At the beginning of the year, the branch held a working meeting again, and unified deployment and arrangement for the XX-year work. For the achievements in XX, the president's office asked the employees of the whole bank to guard against arrogance and refusal to prevent the idea of ​​“small wealth is safe”. At the same time, a comprehensive assessment system has been formulated for the target tasks of the sub-branch, which will be decomposed into the head of each customer manager. The performance of the completion of the performance will be reported weekly, monthly and quarterly by mail, effectively motivating the work of the account manager. enthusiasm. In the branch opening competition, the sub-deal's liability business and personal asset business were in the leading position in the whole branch and achieved good results.
Strengthen market marketing mechanisms.
1. The basic business of the company's business is to first open a new account. The branch of the branch company is clear at the beginning of the year: each public account manager must open a new valid household to reach x households every month. From the situation in the first half of the year, the branches have realized a total of xx new accounts, and realized new deposits of xx million yuan. Secondly, through the government platform, we will strengthen the marketing efforts of customers in the surrounding parks, and actively promote the Bank's public products through various forms such as on-site visits and financial planning. After long-term efforts, it has achieved high recognition from customers and has established cooperation intentions with many high-quality enterprises. Among them, the xx district financial non-tax revenue account has been successfully opened, and the deposit balance is nearly 100 million.
2. In the daily work of retail banking, the regional positioning of the “rich area” in the x district was carried out, and precise marketing and hierarchical marketing were implemented, focusing on basic marketing, mid-end customer marketing, and large-scale marketing. First, large-scale marketing: define more than x million customers as large customers, and specifically set up a "financial secretary" service for these customers. The branches issue financial information in various currencies, various funds, trust products, national debt, foreign exchange market, etc., and selectively send short messages or provide financial solutions according to the type of customers and investment needs, so that customers can understand the bank in a timely manner. The dynamic development, while allowing VIP customers to feel that banks are not just pure deposit needs, but also help them invest in wealth management, maximize their benefits, so that customers and banks can be more closely linked. This requires higher requirements for account managers on the personal banking front, and the improvement of overall quality is more important. For this part of the customer, the account manager unites, according to the customer's characteristics discussion, develops several sets of financial solutions that suit the customer's needs, and re-examines the questions that the customer may ask, and prepares for the front position to achieve 100% satisfaction for the customers. Professional services, let these customers trust us more, rely on us, become our loyal customers; Second, community marketing: Due to the geographical environment of the branch, community marketing has become our special feature, frequent and high-quality outdoor publicity is the most important for the branch to raise awareness. effective method. Persevere in carrying out various community activities and publicity, through the high-end community xx Villa's joint benefit activities, the strong recommendation of our products, so that the image of our bank is deeply rooted in the hearts of the people, the owners of the villas have become our xxx customers. Household. Through the effective publicity of the “property management toll station”, the sub-branches stationed in the high-quality residential areas around the city, such as xx gardens, through the on-site card opening and opening functions, not only achieved the promotion of the electronic business of the Bank, but also successfully realized the storage of more than xx million yuan; Lobby marketing: The lobby manager carefully arranges the hall to create a comfortable business environment and a warm festive atmosphere. Pay close attention to the service, take the initiative to guide customers who come to handle the business, and introduce the consumption points, self-service payment, and consumption awards to ordinary customers. Daily functions such as online banking enable customers to feel the convenience of a card while using these functions. For medium and high-end customers, we mainly introduce xx cards, xx Platinum cards, credit cards, foreign exchange treasures, e-banking, RMB, foreign currency wealth management products. Through the usual deposits, courtesy, holiday celebrations

The prizes will bring about natural growth, add a festive atmosphere, and gather the popularity of the lobby. The lobby is the most effective position marketing, and the account manager is arranged to take turns in the lobby to sort out the customers in the lobby to achieve the effect of improvement.
3. Public-private linkage marketing: The retail banking department and the corporate banking department use one-to-one contact form to help each other and exchange information. From the private customers to find out the public customers, from the public customers to find the private Large customers, at the beginning of the year, expanded a family of private customers to private clients, absorbing xx million yuan in public deposits. At the same time, public-private linkages have been implemented, and the wages of units such as xx Auto Sales Co., Ltd. have been implemented.
Focus on weaknesses, focus on assets, discounting and international business.
Assets, discounting and international business have always been weak businesses in the xx district branch. Under the XX branch, we vigorously explored these three aspects. Assets: In conjunction with the work of the branch to expand the scale of credit assets this year, the sub-branches actively carried out asset project marketing through “radiation around the park”. At present, it has successfully reached a cooperation intention with a number of high-quality enterprises such as xx, and can report the project in the near future. Discounting: On the one hand, the existing customers of the branch are tapped, and on the other hand, they are actively marketing new households. For the source enterprises of discount tracking bills, they actively expanded their collections and successfully expanded xx and other enterprises. In the first half of the year, they realized a discount of x billion yuan, an increase of XX million yuan compared with the same period of XX. International business: Visiting foreign trade enterprises in the region one by one, and has reached an agreement with xx pharmaceutical companies. In addition, for the xx company that terminated the credit line in advance, the branch has never given up, and has been actively tracking it, keeping abreast of the company's production progress, and maintaining close contact with the banking regulatory bureau and the xx district government, so that the fastest time After understanding the policy trends, after the Banking Regulatory Bureau and the xx District Government have a clear attitude towards the company, the branch plans to cooperate again with it, which will become the highlight of the international business in the second half of the year.
We will vigorously expand real estate enterprises, combine branch activities, and focus on individual assets, highlighting the key points of work for real estate enterprises and high-quality real estate in xx areas. The sub-branch has increased the expansion of real estate developers and established well-known developers such as xxxx. In the relationship, and intends to carry out in-depth cooperation in the development of loans and mortgages. At the same time, the original development enterprises, such as xx real estate, have carried out in-depth potential expansion and expansion, and currently intend to increase their development loans to x billion yuan, which will change the backwardness of the branch's public asset business. At the same time, the sub-branch regards the personal asset business with low risk and high return as the focus of development, integrates resources, and assigns the personal asset business to the management of the corporate banking department, making full use of the advantages of the company's account managers to deal with the enterprise and expand the mortgage business. In response to the first-quarter personal asset tasks issued by the branch, the branch company mobilized all employees to actively market mortgages and personal business loans, and successfully issued a single personal mortgage of xx yuan with the largest amount of xx branches. In addition, through the direct customer method, the branch has sold high-quality real estate such as “xxxx”, which laid the foundation for the completion of the personal asset task for the whole year. As of the end of June, the sub-branch realized an increase of xx million yuan from the beginning of the year, and completed 90% of the annual tasks assigned by the branch. The full-year mission is expected to be completed by the end of July.
Improve the case prevention system, strengthen the construction of internal control system, and promote the construction of compliance culture
1. Firmly establish the awareness of “security is efficiency”, focus on preventing and punishing cases, carry out in-depth rules and regulations education and warning education activities, and implement the responsibility system for case prevention work. Pay close attention to social forms and guard against violations by lawless elements. From early payment to late delivery, to access to the commuter door, we have established strict rules and regulations, and urged each employee to comply with the implementation. Make everyone familiar with anti-robbing plans and regular exercises. Anti-robbery, anti-theft, anti-fraud, especially anti-tickets and bank card fraud are the focus of safety work, and constantly improve the ability to prevent high-tech crimes.
2. Seriously carry out compliance and law-abiding education activities. According to the Implementation Plan of Compliance and Compliance Education Activities of the xx Branch, the Leading Group for the Compliance and Compliance Education Activities of the Sub-branch was established, and the mobilization meeting for all employees' compliance and law-abiding education activities was held, and the learning plan of the sub-branch was formulated to implement the work. . Organized employees in various forms to study hard: xx Vice President’s speech at the video mobilization meeting of the “Compliance and Law-abiding” educational activities of the whole bank, xx branches to implement compliance and law-abiding education activities, xx bank integrity report and reward regulations, Liu Mingkang two speeches, compliance and internal bank compliance departments, commercial bank risk management guidelines, xx bank account manager behavior ban, xx bank counter business personnel ban, xx bank employee code of conduct, typical cases and so on. And organized the staff of the whole bank to participate in the "Compliance and Compliance" online test, and achieved good results. He has published five briefings on compliance and law-abiding activities. The staff of the whole bank have written their experiences and understandings. The awareness of compliance and compliance among employees of the whole bank has been greatly enhanced. In the branch compliance and compliance knowledge contest, our team has achieved the second. Good grades.
3. Taking the “Compliance and Law-abiding Education Activities” as the entry point, combined with the “ticket settlement risk knowledge training” and “account management system” organized by the branch accounting department, etc., through the internal control management system and case special governance work, plus Great efforts have been made to address both the risks and the risks and comprehensive management. The front-end operations, back-office review and post-to-post supervision have been established to implement risk prevention and security measures for key parts and key links, effectively preventing risks. Enhanced employee compliance, compliance and integrity. In the daily management work, employees are required to adhere to the rules and regulations and operating procedures, each of their duties, division of labor and cooperation, solid work, and the implementation of all aspects of the work. In the first half of the year, there was no bill exchange error, and the settlement of general errors was only one stroke; and the record of zero error in the savings counter service was maintained.
Strengthen the construction of the police force, carry out the work of three law enforcement supervisions, special case management, etc.

Cultural construction, creating a harmonious humanities environment branch for business development, earnestly implemented the spirit of the relevant branches of the general branch, and formulated a plan for the safety inspection and supervision of discipline inspection and supervision. Since the beginning of the year, the training of police officers in various aspects such as security skills, management systems, banking services and services has been strengthened. The physical training of police officers has been strengthened. Detailed training plans and rewards and punishments have been formulated. The police have inspected the branches in the first half of the year. The department's physical fitness assessment is among the best, playing a role in escort.
According to the deployment of the general branch, the sub-branch carried out three law enforcement supervision and special case management according to the schedule. A leading group was set up to conduct an investigation of abnormal behaviors of employees, a self-examination report was formed, and the detected items were rectified and received favorable comments.
At the same time of business development, pay attention to the construction of corporate culture. On the birthday of employees, we will send a delicious cake to each birthday employee on the same day, so that employees can fully appreciate the concerns of the organization; actively participate in various types of organization organized by the branch. Cultural and sports activities, such as service essay activities, spring art performances, mountaineering tug-of-war competitions, badminton competitions, etc. In the Spring Festival performances, all the actors and logisticians demonstrated a high sense of collective honor, sacrificed a large number of rest periods, and meticulously rehearsed, making the performance a great success, winning the second place in the branch's Spring Festival performance, for the sustainable development of the branch. Created a harmonious human environment.
Third, the problems existing in the current work, counter service skills, and service quality need to be improved;
The skills of counter staff handling customer relationships need to be improved;
The secondary marketing of personal assets is weak, and the market situation is not accurately grasped, and the information is not working;
The bill business failed to find a large leading customer;
The basic customer base is small, and the proportion of large customers of more than 10 million yuan is not much, which restricts the development of our bank;
The international business is limited to one or two customers, which is not conducive to the long-term stable development of the international business income of the branch.
The credit card business is progressing slowly.
The retail business counter, lobby, and account manager did not form an effective line.
Fourth, the second half of the work plan:
In the second half of the year, the sub-branch will do the following work in a targeted manner on the basis of consolidating the achievements already made:
Asking all employees to find out the shortcomings in their work while affirming their achievements, and make persistent efforts to create brilliance;
Further strengthen the quality training of employees and account managers, and do the second and third level training for their own learning and branch;
In accordance with the objectives of the branch at the beginning of the year, the work will be focused on credit cards, total asset management, international settlement, bill business, personal asset business, and enterprise annuity;
We attach great importance to and continue to carry out compliance and law-abiding education activities. We must not be in the form of enhancing employees' understanding of what should be done and what should not be done.
According to the unified deployment of the general branch, we will carry out "quality service" activities. Strengthen employee education, strengthen lobby power, improve service quality, and reshape service brands.
Continue to strengthen the construction of corporate culture, and strive to create a "glamour branch" and "vigorous branch" to form their own unique atmosphere.
Continue to strengthen the discipline inspection and supervision and security work, strengthen the construction of the police force, do a good job of monthly safety inspections and fire inspections, and ensure that the objectives and tasks for the whole year are completed.
District xx, July 5, 2007